Effective Date
Date adopted
Date proposed
Recently adopted
Insurers and regulated entities
Our office considered rules to temporarily prohibit the use of credit history to determine premiums and eligibility for coverage in private auto, homeowner and renters insurance for three years after the public emergency concludes.
Amended laws & rules:
New WAC 284-24A-090 - Rules that apply to insurers that use credit history for personal insurance underwriting or rating
Amended WAC 284-24A-050 - Rules that apply to insurers that use credit history for personal insurance underwriting or rating

Rulemaking process

CR-103P (PDF 211.45 KB)

Comments

No comments

In response to comments submitted during the rulemaking process, Insurance Commissioner Mike Kreidler has requested affected companies with over $1 million in annual premium to complete a premium impact worksheet reflecting their insureds’ premium change experience at renewal.  Additionally, affected companies are requested to provide sample language used to notify their insureds of the emergency rule prohibiting the use of credit history in homeowner, renter, and private passenger automobile (PPA) rating and eligibility of coverage (R2021-02 and R2021-19).

The commissioner requested companies respond by Dec. 20, 2021.  An extension of the deadline to January 31, 2022 was subsequently granted.

Comments

No comments

CR-102 (PDF 273.24 KB)

Comments

John Adair (pdf, 90.04 KB)
Jacquelyn Adams (pdf, 90.92 KB)
Barbara Almy (pdf, 96.07 KB)
American Property Casualty Insurance Association (pdf, 75.59 MB)
Paul Arnold (pdf, 637.48 KB)
Randy Beitel (pdf, 87.58 KB)
Elaine Blair (pdf, 86.05 KB)
Julie Boss (pdf, 86.44 KB)
Russell Boten (pdf, 86.23 KB)
Bill Briscoe (pdf, 88.01 KB)
Todd Brooks (pdf, 90.8 KB)
Patricia Brown (pdf, 93.5 KB)
Douglas Bube (pdf, 205.99 KB)
David and Elsie Burrill (pdf, 90.92 KB)
Christopher Cole (pdf, 100.89 KB)
Donna Cole (pdf, 91.61 KB)
Consumer Federation of America (pdf, 285.84 KB)
Cynthia Cosgrove (pdf, 121.88 KB)
Les Duchene (pdf, 90.09 KB)
Terrence Dunn (pdf, 90.57 KB)
Eastside Insurance Services (pdf, 120.33 KB)
Patrick and Trudy Elsberry (pdf, 89.19 KB)
Every Action form letter - OIC received 2,874 comments on a form letter received from @everyactioncustom.com. All comments received by the rules coordinator are included in the rulemaking folder (pdf, 157.03 KB)
Gary Filley (pdf, 85.91 KB)
Mark A. Gassaway (pdf, 116.8 KB)
Judith Giniger (pdf, 94.68 KB)
David Glass (pdf, 88.1 KB)
Hiram Grijalva (pdf, 88.05 KB)
Kenneth Grosvenor (pdf, 11.29 KB)
Cheryl Hangsleben (pdf, 91.28 KB)
Ronald Hansen (pdf, 85.45 KB)
High Cascades Insurance (pdf, 5.96 MB)
In Pacta (pdf, 189.6 KB)
Tom Iverson (pdf, 86.86 KB)
Jules James (pdf, 115.37 KB)
Sandra Johnson (pdf, 87.39 KB)
Kathryn Lassiter (pdf, 89.36 KB)
Cindy Lewandowski (pdf, 89.31 KB)
Sharon Limb (pdf, 89.81 KB)
Susan Marks (pdf, 256.54 KB)
Brittnee Martinez (pdf, 88.49 KB)
Carole Mathews (pdf, 123.14 KB)
Jerry McRae (pdf, 85.79 KB)
Michelman Insurance Group (pdf, 2.02 MB)
Milliman (pdf, 2.03 MB)
Mark Miskiewicz (pdf, 86.18 KB)
Steven Moore (pdf, 96.52 KB)
Caren Morawek (pdf, 212.64 KB)
Mark Mullet (pdf, 71.15 KB)
Quan Nguyen (pdf, 88.8 KB)
Phone2Action - OIC received 161 comments on a form letter received from emails through Phone2Action. All comments received by the rules coordinator are included in the rulemaking folder (pdf, 187.94 KB)
Professional Insurance Agents of Washington (pdf, 105.32 KB)
Barbara Price (pdf, 11.41 KB)
Larry Raisch (pdf, 85.55 KB)
Rachel Rambo (pdf, 84.27 KB)
David Rogde (pdf, 86.38 KB)
R Street (pdf, 491.89 KB)
R Street (pdf, 491.89 KB)
Kimberly Snyder (pdf, 68.1 KB)
Elizabeth Stambaugh (pdf, 66.64 KB)
Stanton Simon (pdf, 87.83 KB)
Financially Acceptable Insurance Rates (FAIR) (pdf, 814.95 KB)
Ronald Thompson (pdf, 87.83 KB)
Shane Triem (pdf, 66.75 KB)
Brenda Trimbo (pdf, 11.48 KB)
Jay Tryell (pdf, 64.91 KB)
Stig Wahlstrom (pdf, 85.1 KB)
Lindsey Walsh (pdf, 86.12 KB)
Roxanne Weidman (pdf, 95.63 KB)